Teacher needs a little help with high interest card
| Listing Information | |||
|---|---|---|---|
| Amount: | $9,382.00 | Status: | Loan created |
| Grade: | AA | DTI: | 49% |
| Lender Rate: | 18% | Borrower: | craebey |
| Finished | State: | MN | |
| Funded: | 100% | Group: | (No Group) |
| Loan Information | |||||
|---|---|---|---|---|---|
| Loan Status: | Paid | Origination Date: | 2008-05-29 | EricsCC ROI: | 17% |
| Status History | |
|---|---|
| May 29, 2008 | Current |
| Sep 13, 2008 | Late |
| Sep 30, 2008 | 1 month late |
| Oct 11, 2008 | Current |
| Dec 03, 2008 | Payoff in progress |
| Dec 06, 2008 | Paid |
|
Purpose of loan: I originally received a loan for 18,000 and paid off some higher interest credit cards. Due to some medication I've been on for about 25 years, I was forced to either have all of my teeth removed and get dentures or have them all redone. This cost me about $8500. Unfortunately my dentist does not have a payment plan so I had to put it all back on a credit card. This is the reason the my revolving debt only decreased about $6,000. I would like to pay this off at a lower interest rate. My future plans have not changed. I have plans of retiring someday (hoping in about 5 years) and being able to spend time with my grandchildren - none of which live close to me. I need to get this paid off so that I can start becoming debt free so that I am able to retire and spend as much time as possible with my grandbabies! It's scary that my oldest grandchild is 17 now - and my youngest is unborn. I want to be able to help with them and watch them grow up. I would love to be debt free in 3 years!!!! My financial situation: I have an AA credit score. NO DELINQUENCIES!!!! I'm a responsible woman who just wants to be rid of revolving credit. I'm hard working and believe in "doing the right thing". I have enough creditors who can vouch that I always pay on time, if not early, and have had several items in which were paid off before the maturity date. I know my debt to income ratio may be a little high, however I still feel I am a good candidate for this loan. My credit score and past experience proves that I am responsible and will pay this off. Please let me know if you have any questions. Thanks so much for looking! Monthly net income: $2615.00 Monthly expenses: $ 1950.00 Housing: $ $350.00 Insurance: $ 100.00 Car expenses: $ 175.00 Utilities: $ 100.00 Phone, cable, internet: $ 75.00 Food, entertainment: $ 250.00 Clothing, household expenses $ 100.00 Credit cards and other loans: $ 800.00 (but will pay more alot of times on these) Other expenses: $ |
| Borrower's Other Listings | |||||
|---|---|---|---|---|---|
| 227182 | Teacher learns to stay away from high interest cards | AA | $18,000 @ 15% | Nov 06, 2007 | Loan created |
| 337114 | Teacher needs a little help with high interest card | AA | $9,400 @ 15% | May 22, 2008 | Withdrawn |
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